Which is Safer: PayPal login or Credit Card?

If you are stuck at the crossroads thinking about whether to go with PayPal or a Credit Card then you should know that both these payment methods come with similar security protections and features, although PayPal might have the slight edge with its build-in purchase protections (which might not be available on specific credit cards).

In today’s blog, we will be taking a look at safety measures offered on both these payment platforms.

So let’s get started.

PayPal login security measures

PayPal has various other policies that are designed to address some of the fraudulent and miscellaneous shenanigans that have evolved over the years with e-commerce:

  • The PayPal Purchase Protection policy ensures that users are reimbursed in full, including shipping costs, if a product has been purchased online and is significantly different from the description mentioned online. It doesn’t cover your entire purchase but if you had ordered a wedding gown and you received a dishrag, then definitely you are covered.
  • If you have purchased something through PayPal login and you haven’t received it yet, then you can report it and get a refund.
  • If any unauthorized purchase has been made from your account, then you are not liable for it if it is reported within 60 days.

Credit Card Security measures

Almost all credit card companies have invested heavily in leading security technology to match the standards adopted by PayPal and other industry leaders. The biggest revolutionizing change in credit cards is the switchover to a card that uses a chip that is inserted into a reader to complete a transaction rather than a magnetic strip that is swiped along the side of the reader. The microchip present in the card sends encrypted data which makes it harder to steal the information.

This technology is known as EMV which has made it safer to use a credit card in a store by preventing the loss of your information as it is transmitted to complete the transaction.

Bottom line

If you often shop online, choosing to pay with your credit card or through PayPal login won’t make much of a difference security-wise. While PayPal offers better encryption when shopping at some websites, it is not accepted as a payment method everywhere.

With that, we have come to the end of our discussion and we hope that you enjoyed the read.





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